Not quite.

Severity alone does not make a claim complex. In fact, severity is what defines a catastrophic claim. Catastrophic cases involve sudden and profound physical injuries such as traumatic brain injury, paralysis, severe burns, multiple amputations, or fatal events.

Complex claims become difficult for different reasons. The challenge is not the injury itself but the factors around it. These can include medical comorbidities, mental health needs, treatment delays, multiple providers, social barriers, or conflicting medical opinions.

If you want a clear breakdown of how these case types differ, revisit the full article: Catastrophic vs. Complex Claims in Workers’ Compensation: Key Differences for Claims Management Professionals